Credit union · NCUA insured
City Federal Credit Union Auto Loan Rates
City Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How City Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where City Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
City Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
New and Used Auto Loan
Lowest rate
The People's Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
City Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where City Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New and Used Auto Loan
New and used vehicles or refinance from another lender. Welcome to Magnolia Auto Special through October 31, 2026 offers as low as 3.99% APR up to 60 months (subject to loan approval, rates vary by credit and term; not valid on refinance of City FCU/Magnolia FCU loans; payment example: $30,000 loan at 3.99% APR = 60 payments of $552.36). Go Green discount offers 0.50% APR reduction for electric vehicles or 0.25% APR reduction for hybrid vehicles. Floor rate of 3.75% APR for auto/motorcycle. Repayment terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 4.74% | — |
| up to 72 months | 4.99% | — |
| up to 84 months | 5.24% | — |
Sources (3)
All captured Oct 6, 2026
Who can join City Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school in, and businesses and other legal entities located within, Amarillo, TX.
Family and household
- Immediate family members of current City FCU members (spouse, children, step-children, parents, step-parents, siblings, step-siblings, grandchildren, grandparents) are eligible to join.
Cost to join
- Opening a Primary Savings account requires a minimum deposit of $20 to establish membership.
Membership information collected October 5, 2026.